Chapter 7

Resolving Debts with Bankruptcy

Although deciding to file for bankruptcy is never an easy decision, once it has been made I want you to understand the procedure and how it can provide the debt relief you need. I am sensitive to the tough economic situations that local residents can find themselves in and at Michael S. Martin, P.C. all possible is done to dispel common bankruptcy myths and to provide you with the factual information needed to successfully go through the bankruptcy process.

For many, the solution to overwhelming debt can be Chapter 7 bankruptcy. This type of bankruptcy allows you to discharge your debts in a court-approved fashion and is commonly known as "fresh start" bankruptcy. Unsecured debts such as those from credit cards, personal loans, medical bills and more can be eliminated through Chapter 7 and even with secured debt the amounts that you owe can, many times, be significantly reduced.

Chapter 7 can be complex and petitions to the court are commonly denied. A knowledgeable Tracy bankruptcy attorney from my firm knows how to prepare and file your petition to greatly increase the chances that it will be approved. Please keep in mind that the purpose of bankruptcy is freedom from debt and a new beginning to your finances. My firm is prepared and willing, therefore, to put in the work necessary to help you achieve this worthwhile goal.

Stopping Creditor Harassment

I begin by doing what is known as a "means test" to ensure that you are qualified to apply for Chapter 7. When the test verifies you are eligible, we document this and gather all the necessary information to see that your petition is correctly filed with the bankruptcy court.

Once your filing is accomplished, you can begin to reap the benefits of bankruptcy. Chapter 7 can provide fast foreclosure defense while preventing or halting wage garnishment, repossessions and debt litigation. Orders issued by the court will put a stop to all actions taken by your creditors to collect on debts that you owe. To be clear, this means that any phone calls, letters or any form of creditor harassment will cease and you can be free to start a new chapter in your life.

Why Choose Us:

As a former prosecutor, I have handled an extensive and heavy caseload and spent countless hours negotiating with other attorneys and preparing for and taking cases to trial. As a prosecutor I handled over 500 arraignments, 40 cases to resolution, and five jury trials, including a six week special circumstance homicide trial, as a second chair attorney. It is this experience that I will bring to your case. You can be assured, my office will communicate with you as your case develops and zealously represent you. While my office handles a variety of types of cases I have dedicated a majority of my practice to representation in criminal law, bankruptcy, and personal injury.